The only problem with this business if that someone could "Sell their gift card" but retain the details and spend it after selling.

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You, as the escrow service, would have to either redeem and re-issue the gift card or hold the payment until the buyer used the gift card.

Yeah, exactly. But that's the problem, what if they don't use their gift card for a while 🤔

Just tell them upfront that they lose their protection after 48 hours.

Yeah, that would be a way 👍